> ## Documentation Index
> Fetch the complete documentation index at: https://docs.noxpay.io/llms.txt
> Use this file to discover all available pages before exploring further.

# What is Conversions

> Convert between currencies you hold, with a locked quote and a choice of same-day or next-day settlement.

Conversions lets you convert between currencies that you hold in your Global Account. You request a quote for a currency pair, review rates for same-day (D0) and next-day (D1) settlement, and accept the one you want — all within your account, without sending money anywhere.

Think of it as a request-for-quote (RFQ) desk that lives inside your account: you ask for a price, the price is held for a short window, and you decide whether to lock it in.

## When would you use Conversions?

**Rebalancing your holdings** — If most of your balance is in USDT but you need USDC for a specific transaction, you convert what you need.

**Choosing settlement speed** — If you can wait a day for a slightly better rate, D1 settlement is typically priced tighter than D0. If you need the funds available sooner, D0 settles the same day.

**Consolidating currencies** — If you have received payments in multiple currencies over time and want to simplify, you can convert everything into a single currency.

**Acting on market conditions** — If you want to increase or reduce exposure to a given currency based on how you see the market, you adjust via Conversions.

## How it differs from a withdrawal

A withdrawal sends money out of your Noxpay account to an external destination. A conversion keeps money inside your account but changes what currency it is in. No funds leave Noxpay.

## Same-day vs. next-day settlement

Every quote comes back with two rates: one for D0 (same business day) and one for D1 (next business day). Which one you can pick depends on the trading desk's operating hours:

* The desk operates during a configured window (for example, 09:00–18:00) and observes weekends and holidays.
* D0 stops being offered after a daily cutoff time, since there would not be enough time left in the day to deliver.
* D1 always delivers on the next business day.

If D0 is not available when you request a quote, the response tells you so — you can still convert, just settling on D1.

<Note>
  A conversion never reserves your balance ahead of time. The balance in `from_currency` must be available at the moment you **accept** the quote, not when you first request it.
</Note>

## Explore Conversions

<CardGroup cols={2}>
  <Card title="How it works" href="/noxpay-docs-v2/core-products/conversions/how-it-works" icon="gear">
    Quote expiry, the accept step, and how settlement and your balance work.
  </Card>

  <Card title="Flows" href="/noxpay-docs-v2/core-products/conversions/flows" icon="diagram-project">
    Step-by-step conversion flow and what to expect.
  </Card>
</CardGroup>